What are the reliable financial products? What financial products are more reliable?

1. Bank wealth management. Nowadays, all major banks have wealth management products, ranging from a few months to more than a year, with different interest rates. If you want to choose a conservative one, then you can buy principal-guaranteed financial management, which will not have a high return, but it is still much higher than that of demand deposits, and it will ensure the safety of your principal, so people with low risk tolerance can choose to buy this.

If you want to pursue higher returns, then you can choose non-principal-protected financial management, this kind of financial products will generally do a risk assessment first, according to my years of experience in buying financial management, although it is said to be non-principal-guaranteed, but it is generally very safe. Of course, there will be differences in the rate of return on wealth management between banks, and the interest rates of the big four banks are slightly lower than those of smaller banks, but credit may be more secure. Therefore, you can choose the right financial product for you according to your preferences.

Second, Yu Bao. As a wealth management product under Alibaba, Yu'e Bao is still quite reliable after the test of the past few years. The average daily interest rate can reach more than three points, and even four in good times.

Of course, the biggest advantage of Yu'e Bao is not its rate of return, but its flexible access methods. Compared with bank wealth management, Yue Bao is more flexible in terms of amount and time limit, no matter how much money you can buy financial management, and the time can be received within two hours, so even if there is a need for money recently, it does not prevent you from buying Yue Bao, so it is favored by young people.

3. Wealth Management Connect. Wealth Management Connect is a product of WeChat, and to put it bluntly, it is also a mobile phone to buy the wealth management products you like. The time and interest rate can also be selected according to your preference.

According to my experience, the income of WMC is slightly higher than that of Yue Bao, but the flexibility is slightly less.

Banks, many banks have their own financial products, there are also special apps, money stored in it every day will be profitable, and the income can be seen, secondly, there are now a lot of financial management software on the market, there are high-risk and high-yield, there are also stable type, according to their own affordability to buy the right products, in addition, there are many ways to save money to earn interest, such as Yu Bao, piggy bank, notes, etc.

I don't know about financial products, but there is a certain income in Yu'e Bao, and it is still very good to save Yu'e Bao, and the rate of return is about .

Generally speaking, the most reliable wealth management products have two typical characteristics: big brands and low returns. Because all wealth management products have commonalities, that is, risk and return coexist, high risk and high return, low risk and low return. So, a high-reward and low-risk situation is usually a flash.

The most secure period of wealth management is bank fixed deposit, which mainly refers to the bank's fixed deposit and the purchase of treasury bonds and other conventional financial management methods, which are characterized by low risk, low to almost no risk.

Through **financial management, it mainly refers to the different types of ** products purchased from major ** management companies of the Yuanyu Li Company, and the risks and returns of different ** are also different, generally speaking, the risk of currency type is low, and the risk of **type type is high.

Investment** financial management mainly refers to the purchase of valuable products like ** and ** from **companies. Relatively speaking, the product with high returns is **, but it is also the most risky, and if it is not done well, it will become a loss of money.

Therefore, it is recommended that financial management should be based on your actual situation and choose a financial management method that suits you. Of course, the wealth management products of large companies are relatively safer.

The bank's wealth management products are relatively reliable. The wealth management products sold by formal commercial banks are all compliant products and can be rigidly redeemed. However, there are also non-principal-guaranteed floating income products in the wealth management products sold by banks, which are non-principal-protected and risky, and if you can't accept this risk, you can avoid buying non-principal-guaranteed products.

It is safer to buy principal-guaranteed wealth management products sold by banks, you can get a certain income, and the principal will not be damaged.

In fact, for banks, wealth management is nothing more than an off-balance sheet business. Its on-balance sheet business is the basic function of the bank: deposits and housing loans, which are included in the bank's balance sheet and are subject to strict supervision by higher authorities and the central bank.

As an on-balance sheet business, wealth management does not need to be included in the balance sheet, and the supervision is naturally not so strict.